Loan Default: Credit Score par kaise asar padta hai?
Loan lena aajkal aam baat hai, especially jab unexpected financial needs aa jayein. Medical expenses ho, ghar renovate karna ho, ya education ke liye fund chahiye ho, loan useful ho sakta hai. Lekin, loan default karne ke consequences bhi jaan lena important hai. Agar aap timely payments nahi karte, toh aapka credit score kharab ho sakta hai, aur future mein loan ya credit card milna mushkil ho jayega.
Credit Score Kaise Check Karein?
Chaliye dekhte hain ki loan default aapke credit score ko kaise affect karta hai aur aap kaise apne credit profile ko maintain rakh sakte hain.
Equated monthly instalments (EMIs) timely pay nahi karne se aapka credit score negatively affect hota hai. Future mein loan aur credit card secure karne ke chances kam ho jate hain kyunki aap risky borrower ki tarah dekhe jate hain. Agar aapko loan mil bhi jata hai, toh interest rate bahut zyada ho sakta hai. Aapka loan default aapke credit report par mark ho jayega aur wahan 7 years tak rahega. Financial institution loan dete time credit report review karte hain, isliye aapke liye ye important hai ki aap kabhi bhi loan default na karein.
Loan Default ke Baad Credit Score Kaise Sudharein?
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Analyse Your Credit Report:
Apne credit report ko study karna important hai. Dekhein ki aapke loan default se aapka credit score kaise impact hua hai. Agar koi mistake dikhe, toh credit bureau se contact karein.*
Build a Good Credit History:
Default ke baad, unsecured loans ya credit cards milna mushkil hota hai. Secured credit options choose karein for rebuild karne ke liye aapka credit history.*
Make Timely Payments:
Payment history sabse important factor hai jo aapke credit score ko affect karta hai. Ensure karein ki current EMIs, utility bills aur credit card payments timely ho jayein. Banking apps se auto-debit instructions ya reminders set karein taki due dates miss na ho.*
Avoid Applying for Multiple Loans or Cards:
Har loan ya credit card application se hard inquiry trigger hoti hai, jo temporarily aapke credit score ko lower karti hai. Lenders un logon ko loan dene mein cautious hote hain jinka default history hota hai, isliye multiple rejections aapki situation ko aur kharab kar sakte hain. New loan applications ke beech mein gap rakhein aur sirf un credit ke liye apply karein jiske liye aap qualify kar sakte hain, jaise secured cards ya loans against assets.In conclusion, apne credit report ko assess karke, dues settle karke, wisely budget banake aur secured credit ko responsibly use karke, aap apne credit score ko rebuild kar sakte hain. Disciplined rehna aur apni progress ko monitor karna important hai. Agar zaroorat ho toh professional advice bhi le sakte hain. Read more on Personal Finance by NDTV Profit.
